Let us take the idea of "an health care system"
and break it down into the following categories:
(a)
Person in need of Health Care.
and
(b)
Health Care Professionals,
who provide Health Services.
How does an Health Care System administer Health
Care, pay for it, and keep both parties happy?
Model 1
(i)
Corporation "XYZ"
(ii)
Number of employees: 50
(iii)
Health Care Professionals, divided into:
(1) Doctors (2) Dentists (3) Pharmacists
(iv)
Dollar amount set for this system is 70 dollars
per month. Corporation "XYZ" will match the dollar
employee contribution at a 1:1 ratio.
That is:
This will cost Corporation "XYZ",
$35 per month or $8.75 per week.
And
The employee of Corporation "XYZ"
will pay $35 per month or $8.75 per week.
(v)
Every month, Corporation "XYZ" has $3,500.oo
for health care of its employees or $42,000.oo per year.
The Plan
(1)
Corporation "XYZ" seeks a cooperative, comprised of Medical,
Dental, Pharmaceutical Professionals; who are willing to get
paid $3,500.oo UP FRONT, on a per month basis. That
is, $42,000.oo per year on contract.
(1-A)
Corporation "XYZ" agrees to pay the Health Care Professionals
$3,500.oo per month, UP FRONT ($42,000.oo per year) on contract.
No matter if it's employees get sick or not.
(2)
The contract is for
the following services:
Medical
(a)
Standard medical care
(b)
Emergency care
(c)
Surgery up to $10,000.oo
Dental
(a)
Standard Dental Work as needed.
Pharmacy
(a)
Issue medicine as prescribed.
The Benefits
(a)
Health Care Professionals get a guaranteed income
per month, irregardless of illness.
That is, Doctor pay is not dependent on the health of their client.
(b)
Employees are covered for Medical / Dental / and Pharmacy
(c)
Corporation "XYZ" and Health Care Professionals can
set a rate of (per employee) pay. This example used $70.oo
per employee; split 50-50 between employee and Corporation "XYZ".
Let us expand this example
Let us say the Cooperative of Health Care Professionals
secure 20 separate contracts, with 20 Corporations at 50
employees per company; for a total of 1,000 employees.
(a)
Health Care Professionals will have a guaranteed
income of $70,000.oo per month or $840,000.oo per year.
(b)
Health Care Professionals can also offer This Health Care System,
on an individual basis. To people not in a corporate climate and BILL
as a 'regular monthly expense' and set their own rate of $35 - $70
per month (or any 'X amount' to be paid per month).
(c)
Companies can offer their employees a Health Care Package
that will cost them $8.75 per week or 22 Cents per hour
(That is at: 40 hour per week).
(d)
This system cannot be abused.
Final Note
Hopefully there will be Doctors, Dentists, Pharmacists
and Companies willing to try a new approach to Health Care.
There will be Pluses And Minuses, but
like all contracts, it can be negotiated.
The Idea
Companies and employees can pay a set amount to Health
Care Professionals who are willing to accept a set pay
rate and render health related services.
ANNEX
(1)
In any type of pay system for Health Services,
where the source of funds is TAX money.
A fair price to pay Health Care
Professionals under this new idea is:
$100.oo per person per month.
(2)
In the case of Nursing home residents.
A fair price to pay Health Care
Professionals under this new idea is:
$150.oo per nursing home resident per month.
Future Possibilities under this plan to consider
Future Possibility - 1
(3)
A client under this plan must leave the city in which his/her
doctor/clinic is in and must receive medical attention.
Possible Solution
Cooperative 'A' and other cooperatives around the country,
go into contract and agree to create a 'HOSPITAL ACCOUNT',
in which they all pay into this account a set fee per month.
These Cooperatives seek Hospital Group 'Z' and agree to pay
it, under contract* (also see *'GRACE SWING' below); a set
fee per month.
Therefore, if the possibility that their client should need
medical attention (when outside of their home city), their
client can visit any hospital under the Hospital Group 'Z'
umbrella and receive the care they need.
Future Possibility - 2
(4)
The Cooperatives secure 10 corporations to
pay them to give Health Care to its employees.
The Cooperative(s) set up a 'HOSPITAL ACCOUNT' and go into
contract with Hospital Group 'X'. Hospital Group 'X' gives The
Cooperative(s) access to it's operating facilities/surgeons,
in the event that it is ever needed.
Let us say for this example (Future Possibility - 2), that
The Cooperative(s) agreed to pay (under contract) to Hospital
Group 'X', $10,000.oo per month (with no additional charges to
either The Cooperative(s) or Their Clients) for access to its
facilities, in the case their client needs surgery.
The Cooperative(s) lose 2 corporations that were paying them,
therefore can afford $8,000.oo payment to Hospital Group 'X'. (The
Cooperatives must provide Proof of Corporation failure to Hospital
Group 'X'.
* GRACE SWING
The Cooperatives and Hospital Group 'X' agree to a 20% 'GRACE SWING'.
That is, within their contract with Hospital Group 'X', they can pay
up to 80% of $10,000.oo without penalty and keep the hospital doors
open.
In the event that The Cooperative(s) can pay less than 80%, Hospital
Group 'X' agrees to accept any amount under 80% (say for this example
The Cooperatives can pay $7,000.oo or 70% to Hospital Group 'X'). The
remaining $1,000.oo can work out as a 'Business Loan' from Hospital
Group 'X' to The Cooperative(s) at a set rate - example: 3 years at 3%
interest. For the sake of leaving the Hospital doors open.
Key points for Hospital Group 'X' to consider
(1)
The Cooperative(s) payments are dependent on corporation payment,
they are to be held harmless, in the case of corporation failure.
(2)
In the event of below 80% payment of their contract. Hospital Group 'X'
is to consider: under their contract with the cooperative(s), they get
paid a set fee per month, whether or not their facilities are used or
not and the Business Loan makes up the difference.
Hospital Group 'X' should consider further,
70% of something is better that 100% of nothing.
(5)
With this idea, Doctors
can set their own hours.